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WERO (EPI)

About WERO (EPI)

General information about WERO (EPI)

Wero is a new payment solution that aims to become the standard for European consumers and merchants. It will be available through EPI’s member banks’ applications and as a mobile application on both Android and iOS platforms. EPI is actively working towards launching Wero in Belgium, France, and Germany by mid-2024, followed by the Netherlands, with plans to expand to other countries in the future.

The reason why Wero is based on existing Instant Payments is that it allows the development of a service covering multiple payment use cases such as paying friends and family, paying in a shop, paying online, paying a bill or an invoice, which no other single solution offers for the time being.

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Info

Wero is a new payment solution that aims to become the standard for European consumers and merchants.

Type

Payments by Online Bank Transfer

Process flow chart

Paygate interface

Definitions

Data formats

Format

Description

a

alphabetical

as

alphabetical with special characters

n

numeric

an

alphanumeric

ans

alphanumeric with special characters

ns

numeric with special characters

bool

boolean expression (true or false)

3

fixed length with 3 digits/characters

..3

variable length with maximum 3 digits/characters

enum

enumeration of allowed values

dttm

ISODateTime (YYYY-MM-DDThh:mm:ss)

Abbreviations

Abbreviation

Description

Comment

CND

condition

M

mandatory

If a parameter is mandatory, then it must be present

O

optional

If a parameter is optional, then it can be present, but it is not required

C

conditional

If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional

Notice: Please note that the names of parameters can be returned in upper or lower case.

Payment with WERO (EPI)

To make a WERO (EPI) payment over a Paygate form, please use the following URL:

https://www.computop-paygate.com/WERO.aspx

Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

refnr

ans..30

O

Merchant’s unique reference number

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent). Please contact the Computop Helpdesk, if you want to capture amounts <100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

OrderDesc

ans..768

O

Description of delivered products, services etc.

URLSuccess

ans..256

M

Complete URL which calls up Paygate if payment has been successful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

Common notes:

  • We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate

  • However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

URLFailure

ans..256

M

Complete URL which calls up Paygate if payment has been unsuccessful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

Common notes:

  • We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate

  • However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

Response

a7

O

Status response sent by Paygate to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter.

URLNotify

ans..256

M

Complete URL which Paygate calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserDataparameter instead.

Common notes:

  • Before follow-up actions (capture / credit / reversal) are carried out on an existing transaction, the first Notify must have been answered by the shop.

  • Fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop.

ReqId

ans..32

O

To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, Computop Paygate will not carry out the payment or new action, but will just return the status of the original transaction or action.

Please note that the Computop Paygate must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on Paygate does not take effect. Submissions with identical ReqID for an open status will be processed regularly.

Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the Paygate.

PayType

an..6

O

Possible values:

⦁    ED (Event Dependent)

If not provided then default value is used as "SingleImmediate"

ChDesc

ans..35

M

Soft descriptor (End-to-end ID, unique to a capture. Limited to 35 characters, in compliance with ISO 20022.)

bdFirstName

ans..25

M

First name in the billing address

bdLastName

ans..25

M

Last name in the billing address

bdStreet

ans..256

M

First line of the billing address

bdAddressAddition

ans..256

O

Second line of the billing address

bdCity

ans..40

M

City of the billing address

bdZIP

ans..10

M

Postal code of the billing address

bdCountryCode

a2

O

Country code of the billing address (2-Alpha ISO country code)

bdState

ans..40

O

State of the billing address

sdFirstName

ans..25

O

First name of the shipping recipient. If not provided the billing details will be used.

sdLastName

ans..25

O

Last name of the shipping recipient. If not provided the billing details will be used.

sdStreet

ans..256

O

First line of the shipping address. If not provided the billing details will be used.

sdAddressAddition

ans..256

O

Second line of the shipping address. If not provided the billing details will be used.

sdCity

ans..40

O

City of the shipping address. If not provided the billing details will be used.

sdZIP

ans..10

O

Postal code of the shipping address. If not provided the billing details will be used.

sdCountryCode

a2

O

Country code of the shipping address (2-Alpha ISO country code). If not provided the billing details will be used.

sdState

ans..30

O

State of the shipping address. If not provided the billing details will be used

ArticleList

Array [items] (Base64 encoded value)

O

Basket item details in array of items, e.g.: {"items": [{items1 ...}{item2...}]}.

If provided, then the below conditional parameters must be provided as well.

items.name

ans..30

O

Name of the item

items.description

ans..30

C

Description of the item

items.quantity

n..3

C

Quantity of the item

items.amount

ans..10

C

Amount of the item

Plain

ans..50

O

A single value to be set by the merchant to return some information unencrypted in response/notify, e.g. the MID.

"Plain"-parameter is part of encrypted "Data" in Computop Paygate and therefore protected against manipulation.

Custom

ans..1024

O

"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in Computop Paygate request. By this they are protected against manipulation by a consumer.

The Custom-value is added to the Computop Paygate response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.

Please find a sample here: Custom

Parameters for payments with WERO (EPI)

The following table gives the result parameters which Computop Paygate transmits to URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are sent Blowfish encrypted to your system:

pls. be prepared to receive additional parameters at any time and do not check the order of parameters

the key (e.g. MerchantId, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

refnr

ans..30

O

Merchant’s unique reference number

Status

a..50

M

OK or AUTHORIZE_REQUEST (URLSuccess) as well as FAILED (URLFailure)

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

an8

M

Error code according to Paygate Response Codes (A4 Error codes)

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop.

ErrorText

ans..128

C

Detailed Wero error message.

Notice: Is returned only if Status=FAILED. Use is possible only in agreement with Computop Helpdesk.

TransactionId

an..20

O

Payment request ID as provided by Wero (EPI)

Plain

ans..50

O

A single value to be set by the merchant to return some information unencrypted in response/notify, e.g. the MID.

"Plain"-parameter is part of encrypted "Data" in Computop Paygate and therefore protected against manipulation.

Custom

ans..1024

O

"Custom"-parameter is added to the request data before encryption and is part of encrypted "Data" in Computop Paygate request. By this they are protected against manipulation by a consumer.

The Custom-value is added to the Computop Paygate response in plain text and the "|" is replaced by a "&". By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose.

Please find a sample here: Custom

Return parameters for URLSuccess, URLFailure and URLNotify with WERO (EPI)

Capture for Event Dependent Flow

Capture is possible via a Server-to-Server connection or via Merchant Backoffice portal only in cases where an Event Dependent initial transaction is initiated. Multiple partial captures are also supported if activated in MAT by Computop Helpdesk.

WERO (EPI) allows the merchant to capture Event Dependent Authorizations for up to 10 days.

To carry out a capture via a Server-to-Server connection, please use the following URL:

https://www.computop-paygate.com/capture.aspx

Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.

PayID

an32

M

ID assigned by Paygate for the payment to be captured

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent). Please contact the Computop Helpdesk, if you want to capture amounts <100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

refnr

ans..30

O

Merchant’s unique reference number

Parameters for captures with WERO (EPI) via socket connections

The following table describes the result parameters with which the Computop Paygate responds to your system

pls. be prepared to receive additional parameters at any time and do not check the order of parameters

the key (e.g. MerchantId, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

an8

M

Error code according to Paygate Response Codes (A4 Error codes)

refnr

ans..30

O

Merchant’s unique reference number

Response parameters for captures with WERO (EPI) via socket connections

Reversal

Reversals are possible via a Server-to-Server connection. In order to cancel a payment via a server-to-server communication, please use the following URL:

https://www.computop-paygate.com/reverse.aspx

Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.

PayID

an32

M

ID assigned by Paygate for the payment to be reversed

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent). Please contact the Computop Helpdesk, if you want to capture amounts <100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

refnr

ans..30

O

Merchant’s unique reference number

UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop.

ReqId

ans..32

O

To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, Computop Paygate will not carry out the payment or new action, but will just return the status of the original transaction or action.

Please note that the Computop Paygate must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on Paygate does not take effect. Submissions with identical ReqID for an open status will be processed regularly.

Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the Paygate.

Parameters for reversals with WERO (EPI) via socket connections

The following table describes the result parameters with which the Computop Paygate responds to your system

pls. be prepared to receive additional parameters at any time and do not check the order of parameters

the key (e.g. MerchantId, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

TransID

ans..64

M

TransactionID provided by you which should be unique for each payment

Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

an8

M

Error code according to Paygate Response Codes (A4 Error codes)

refnr

ans..30

O

Merchant’s unique reference number

Response parameters for reversals with WERO (EPI) via socket connections

Paygate

Documentation (EN)

Dokumentation (DE)

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